What is a Licensed Public Adjuster?

Public adjusters are licensed professionals who specialize in managing and negotiating insurance claims on behalf of you, the policyholder. Unlike insurance adjusters employed by insurance companies, public adjusters work solely for you, helping you get the maximum settlement you are owed under the terms of your policy.

How Public Adjusters Can Help Expedite Your Claim Process

1. Expertise in Insurance Policies and Language

Public adjusters have a deep understanding of insurance policies and terminology. They can interpret the complex language of your policy to determine what coverage you are entitled to, ensuring that no benefits are overlooked.

2. Detailed Damage Assessment

One of the key strengths of public adjusters is their thorough approach to assessing property damage. They conduct independent evaluations to document the extent of the damage comprehensively. This attention to detail helps in submitting a well-supported claim.

3. Efficient Claim Handling

Public adjusters utilize their expertise to streamline the entire claims process for property owners. They handle all the paperwork, meet with insurance company adjusters, and negotiate on your behalf. This can significantly reduce the time you spend managing the claim, allowing you to focus on repairs and move forward with your life.

Maximizing Your Settlement

5. Support Through Dispute Resolution

Many times when damage to your home or commercial property occurs, an insurance company will try to avoid paying for damages. In cases where disputes arise with your insurance company, a public adjuster can be an invaluable ally. They will advocate on your behalf and defend your claim.

Types of Claims Handled by Public Adjusters

Public adjusters can assist with a variety of natural disasters and cases related to the insurance claim settlement process, including:

  • Water Damage: From burst pipes to appliance leaks, ensuring all aspects are documented.
  • Fire and Smoke Damage: Navigating the complexities of smoke and structural damage.
  • Storm and Wind Damage: Addressing damages from hurricanes, tornadoes, and other severe weather events.
  • Theft and Vandalism: Assisting in accurately documenting stolen or damaged property.
  • Marijuana Damage: Managing claims related to cannabis cultivation and related damages.
Types of Claims Handled by Public Adjusters

When to Hire a Public Adjuster

Consider hiring a public adjuster if:

  • You’ve never submitted a homeowners insurance or commercial insurance claim before.
  • The damage is significant, and the claim process is complex.
  • You feel the insurance company’s offer is insufficient.
  • You lack the time or expertise to deal with the claims process.
  • You’re dealing with a business interruption claim that affects your livelihood.
  • You believe the insurance company is violating the Unfair Claim Practices Act (this can include, but is not limited to, delaying the claims process without reason)

How Are Public Adjusters Compensated?

Public adjusters receive a small fee based on the settlement amount that you receive from your insurance policy payout. However, if you do not receive a settlement amount, you will not pay anything. At Excel Adjusters, we do not charge any upfront fees or hidden fees.

Hiring Excel Adjusters as your licensed public adjuster can make a significant difference in the stress and outcome of your insurance claim process. We bring expertise and efficiency to the claims process, ensuring that your property damage or loss is evaluated correctly and compensated fairly.

If you’ve experienced damage to your property and need to file a claim, we can help with the insurance claims process.

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